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In the past, opening a new bank account or credit card might have earned you a small kitchen gadget like a toaster. Nowadays, while you might not get a toaster with your new credit card, there’s often the exciting opportunity to earn a substantial signup bonus.
We’ve compiled a list of some of the most impressive bonuses available. While some signup bonuses offer a cash reward upfront, many high-value bonuses are offered as rewards points. Here, I’m diving into the best cards that can help you snag a $200 to $500 (or even more) signup bonus. With that kind of cash, you could purchase a lot of toasters!
Because the value of points and miles can vary widely depending on the program, let’s explore some specific values for cash back redemption and travel directly through the issuer.
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Best Credit Cards with Signup Bonuses of $500+
Just because you’re approved for a credit card doesn’t mean you’ll instantly receive a signup bonus. Usually, you’ll get a specific amount of cash back, points, or miles only after reaching a set spending target with your card.
Credit cards boasting top-tier signup bonuses often skip flat cash bonuses, opting instead for rewards points with a versatile per-point value.
In the vast majority of credit card rewards programs, the maximum per-point value is obtained through travel redemption, either via the issuer’s shopping portal or by transferring credit card rewards to a partner hotel or airline loyalty program.
Consumer Credit Cards
If you’re searching for a credit card with a significant signup bonus, you might find yourself facing a hefty annual fee, typically between $450 and $550. Cards with bonuses exceeding $500 usually have moderate spending requirements, often between $3,000 and $4,000.
Here’s the great news: you can still score an amazing signup bonus without shelling out for a high annual fee. Many excellent credit cards have reasonable annual fees and still offer impressive signup bonuses that can be worth $500 or more.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
The Capital One Venture X Rewards Credit Card is Capital One’s premium travel card with a lucrative signup bonus to match. While it may have a $395 annual fee, it has annual credits that offset the fee.
This card also features lounge access to Capital One Lounges across the world, which frequent travelers can appreciate.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Reserve® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
Although it’s unlikely we’ll again see the six-figure bonus that the Chase Sapphire Reserve® came with at launch, the Ultimate Rewards points new cardholders can earn are still extremely valuable.
And those points can be worth even more when redeemed through Chase’s travel portal. The extra value is thanks to the 50% redemption bonus you get for being a Chase Sapphire Reserve® cardholder.
You can also transfer your points to one of Chase’s 10+ airline and hotel partners to make your Ultimate Rewards points go even further.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Preferred® Card was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
The Chase Sapphire Preferred® Card is the little sibling of the more expensive Chase Sapphire Reserve®, charging a smaller annual fee and offering fewer points per dollar spent.
However, while this card may earn fewer purchase rewards per dollar, it earns the same signup bonus as its sibling, netting new cardholders who reach the spending requirement some serious Ultimate Rewards® points.
Chase Sapphire Preferred® Card cardholders only receive a 25% travel redemption bonus (compared to the Chase Sapphire Reserve®‘s 50% bonus) when redeemed through the Chase travel portal.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Additional Disclosure: Citi is a CardRates advertiser.
The signup bonus for the Citi Strata Premier® Card pays in ThankYou® Points that have a range of potential values depending on how you redeem them. Redeemable options include cash back, gift cards, and pay-with-points redemptions.
Typically, cash back is valued at 1¢ per point, so 75,000 points could score you a fantastic $750. For a complete understanding of redemption rates, make sure to check your card’s benefits guide for terms and conditions.
Business Credit Cards
You have a wide array of choices for business credit cards that come with signup bonuses of $500 or more, offering both cash back and miles options. Many will provide straightforward cash back rewards, and some even have ways to enhance the value of the signup bonus.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Ink Business Preferred® Credit Card was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
The Ink Business Preferred® Credit Card earns rewards points, which can be redeemed for travel through Chase’s portal or — the more valuable option — transferred to a partner airline or hotel loyalty program.
When redeemed as cash back, your points are worth 1¢, meaning a bonus of 90,000 points would net you $900.
If you’re looking to get the most out of your rewards points, you can earn a 25% increase in per-point value when redeeming them for travel.
- Earn 200,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your Card within the first 3 months of card membership
- Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
- Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
- Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
- Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card® Account.
- $695 Annual Fee
The Business Platinum Card® offers Membership Rewards® points for its signup bonus, and the highest amount we’ve seen is 200,000. But that offer also comes with a large spending requirement.
If you redeemed 200,000 Membership Rewards® points for cash back, you would net $1,200. However, if transfer those rewards to a hotel or airline partner, you could boost their value by 50% or more.
As with Amex consumer credit cards, signup bonuses for American Express business credit cards can only be earned once per product per lifetime.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Ink Business Unlimited® Credit Card was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
The latest addition to the Chase business credit card family, the Ink Business Unlimited® Credit Card currently comes with a similar cash back signup bonus as its sibling, the Ink Business Cash® Credit Card, but with a lower minimum spend.
The minimum spend on this card is actually lower, but you also have less time to reach it.
And, like its sibling, the Ink Business Unlimited® Credit Card can be paired with an Ultimate Rewards® earning card to turn that cash back bonus into significant travel value.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won’t expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
The Capital One Spark Cash Select signup bonus is a straightforward cash back redemption offer. Once you spend $6,000 in the first three months of account opening, you get a $750 bonus. This card also has no annual fee.
Best Credit Cards with Signup Bonuses of $200+
While the most substantial signup bonuses typically come as points or miles, which require specific uses to maximize their value, smaller bonuses are usually straightforward, often offering simple cash back.
Not only are these smaller signup bonuses easier to redeem, but they also come with spending requirements that are much simpler to meet. Most need you to spend $1,000 or less to earn a bonus that’s still quite respectable.
Consumer Credit Cards
Many consumer credit cards featuring signup bonuses in the $200 range are primarily cash back cards, with some even lacking an annual fee. You’ll encounter a variety of options, from flat-rate unlimited cash back cards to those offering bonus categories.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
The Bank of America® Customized Cash Rewards credit card offers a good mix of features in addition to a $200 signup bonus when you hit a reasonable spending threshold in the first three months. This card has no annual fee and offers plenty of opportunities to earn cash back.
You may select one category that earns the top tier cash back rate, and can choose from staples such as dining, travel, online shopping, and home improvement, among others. You could easily bring in more than your signing bonus in cash back if you regularly use your card on purchases in one of those categories.
You also earn 2% at grocery stores and wholesale clubs and 1% on everything else. The cash back on your 2% and top tier categories is limited to $2,500 in purchases per quarter, but the 1% on all other purchases is unlimited.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Unlimited® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
With the Chase Freedom Unlimited® card, the signup bonus comes in the form of a 1.5% cash back boost (for a total of 3%) on purchases in your first year up to $20,000 in spending. If you hit that spending threshold in the first year, you’re looking at $600 cash back from this card with no annual fee.
The Chase Freedom Unlimited® also includes the additional 1.5% cash back on its tiered categories in the first year, as well. That means you can earn 4.5% on dining and drugstore purchases and a whopping 6.5% on travel purchases through Chase Travel.
After the first year, the cash back tiers revert back to their standard percentages, which include a base of 1.5% on all purchases. That can make this card a valuable long-term addition to your wallet.
- For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Whether you enjoy preparing food at home or dining at your favorite restaurants, the Capital One Savor Cash Rewards Credit Card allows you to earn while you eat. In addition to a straightforward signing bonus where you’ll earn $250 Cash Back after you spend $500 on purchases within 3 months from account opening, the card offers unlimited 3% cash back on dining, at grocery stores, and on entertainment — including streaming services.
To earn the signing bonus, you just need to spend $500 in the first three months. If you’re like me, you could do that in a few weekly trips to the grocery store — and you’d also earn an additional 3% cash back on those purchases.
The Capital One Savor Cash Rewards Credit Card also provides 1% cash back on all other purchases, has no annual fee, and you never have to pick a category to earn cash back in.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
The Citi Double Cash® Card provides its signing bonus in the form of 20,000 ThankYou® Points that you can redeem for $200 in cash back after meeting your minimum spend in the first six months. From there, this card also has a simple, and potentially lucrative, cash back structure.
You earn unlimited 1% cash back on every purchase, and an additional 1% cash back when you pay for those purchases. That means everything you buy could earn you 2% cash back, with no rotating categories, and no limits.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
As is common with many signup bonuses from cash back cards, the Capital One Quicksilver Cash Rewards Credit Card bonus can be simply redeemed for a statement credit for face value, among other options.
You can also take advantage of a 0% introductory APR offer to help you finance a big purchase and meet your signup bonus spending requirement.
Business Credit Cards
As is the trend with business credit cards, the spending requirements for even these smaller signup bonuses will typically be larger than those required by consumer cards. But, given that the average business spends more in a month than the typical consumer, they’re likely to be of similar attainability.
- Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- Buy above your credit limit with Expanded Buying Power. Make business purchases over your credit limit with no penalty or enrollments, and still earn cash back on those purchases. Terms apply.
- 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies
- Get an application decision in as little as 30 seconds
- $0 Annual Fee
The Blue Business Cash® Card provides a similar cash back bonus as the Blue Cash Preferred® Card at $250, but you must meet the minimum spend requirement of $3,000 in the first three months.
Cardholders also earn 2% cash back on up to $50,000 in purchases each year, and 1% after, which could result in $1,000 or more if your business spends that much.
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
The Capital One Venture Business offers a bonus of 50,000 miles after you meet the minimum spend. While that only equals $250 in cash back value, the card has some other features that could make it more valuable in the long term.
You earn unlimited 2X points on all purchases and 5X miles on anything you book through Capital One Business Travel.
Earn Huge Rewards as a New Cardholder
Whether you’re a passionate credit card enthusiast wanting to maximize your rewards or someone just eager to make the most out of a new card, you’ll discover plenty of excellent options to secure a nice signup bonus, regardless of your budget or spending habits.
At the same time, it’s important to understand the potential perils of chasing signup bonuses. For example, you never want to charge more than you can afford to repay just to get a signup bonus; interest fees can add up quickly when you carry a balance, which can eat into your earnings — or even surpass them.
Furthermore, make sure you go for signup bonuses you can actually redeem for the best value. If you rarely travel, for instance, then some of the biggest signup bonuses may not actually hold more value than smaller cash back bonuses. You should also keep an eye on other potential costs, like annual fees, that can offset your bonus.
Finally, keep in mind that only new purchases will count toward your signup bonus. Other transaction types, such as balance transfers and cash advances, won’t earn purchase rewards or count toward the minimum spending requirements for signup bonuses. Plus, they often start accruing interest right away and come with extra fees, so do your research before making these types of transactions.
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